Building Business Credit: How to start funding with an EIN

A few years ago I had finally registered my business. Yay, me!

Yeah, well, a year later, I was stuck. I still had a ton of ideas but no funds. I mean, yes, I had a job. But that just barely kept me afloat. And my personal credit was not equipped to take on the kind of investments needed. But I had an EIN, so I went wild one night with million tabs opened comparing credit card offers and benefits. By the time the sun was coming out to play, I had narrowed it down to two and decided to apply.

I was breezing through the first application when I got to the box asking for my SS. I thought I had clicked a wrong button at some point, so I closed the page and started again. The result was the same.

Apparently, I had some things to learn about this whole EIN credit thing.

Later that day I got lost down the Google hole and figured out personal credit is a deciding factor when first applying for a business credit line.

That’s right. I had to apply using my business’s tax identification AND my personal social security number. Turns out lenders need a personal guarantee when you’re first starting out. *nervous laugh*

So how exactly did I start funding my business? Short story; I didn’t. Not right away at least.

I needed to plant roots. I started by opening a bank account with my legal business name. Then, I established a business phone line and registered my business location. Depending on your line of business, you may plant different roots. These things worked on my budget, but I did wait about nine months before attempting to apply for a credit card again.

Since the line of credit impacts my personal credit here are two things I wish I’d kept in mind before I got the card:

When dealing with vendors, be sure to confirm that they report payments to at least one of the three major credit bureaus.

Each application is a hard inquiry, too many could serve as a disservice when later applying for a loan.

Always make payments before time.  If you can afford to double up on payments, DO.

Plan before spending. Do thorough research to be sure borrowed funds yield profit.

Again, this is just a start to funding your business through your EIN. It was two years before a lender was inclined to take on my business on its own. It’s a sure and easy way to continue to build your business credit as you grow, borrow, and pay.

Reclaimed Barn Wood Flooring

Reclaimed barn wood flooring is a rising wave in the flooring industry. Not only does it offer an authentic, rustic touch to your space, but it also drives the green initiative to recycle and repurpose.

Before massive deforestation began, forests were overgrown with healthy, hundreds-of-years-old trees— most of which are extinct today. These old barn wood types tell stories. They’re rich in character from ages of patina that you can now uncover and retell in your own space.

Environmental Benefits

The most obvious here is saving the trees. Instead of cutting more trees, there are plenty of old structures with perfectly good wood ready to be reclaimed and refinished for your home. Reclaimed wood also reduces landfill waste and the pollution that comes along with burning it. Reduction in energy used to cut virgin trees.

Authentic vs. Mass-produced
  • Older reclaimed barn wood flooring is often made up of wide planks that allow for versatility. Believe it or not, due to its long time curing process, reclaimed barn wood can be more stable and resistant. 
  • No two planks of reclaimed wood flooring are alike. Each is original and holds a lifetime of character. 
  • Everyday hardwood stores have reclaimed “styled” wood, though, they often lack character. 

Reclaimed wood is most commonly found in retired mills, abandoned lodges, or of course, standing barns. These buildings typically range in age from the early 1800s to the mid-1900s. If you have the time and you’re searching for a distinct aesthetic, you can always hunt these buildings down yourself. You’ll need to do your research before you set out to locations, though. Things to find out beforehand:

  • If there’s an owner
  • If it’s been well maintained
  • Local weather
  • If the roof is intact. The roof’s condition will be an indicator of possible rot. If you do find barn wood you’d like to reclaim, the next step is finding a professional crew to dismantle the structure. Otherwise, visit salvage and lumberyards for some great finds.

Now, there is more to reclaiming wood than just declaring it as your own. Whether you’ve found barn wood on your own or bought it, you’ll want to make sure it’s inspected and cleaned. After it’s been cleaned, you’ll want to get it prepped for installation. This is where you’ll look for cracks, metal pieces, rotten wood, and infestation. The point of this is to ensure stability in your flooring. Once you’re clear of that, it’s off to the machine to be measured and cut for installation. 

Home Décor Dilemma: When Are Curtains the Right Choice?

Traditionally, curtains are just thrown onto windows since they just go. Right? But walking aisle after aisle at the store and endless searching online hasn’t helped you decide if you really need it…or want curtains. And are curtains even right for what you want? Or was it drapes you were looking for? 

What’s the difference between curtains and drapes, anyway? 

Drapes are more likely to be lined, heavy, and a bit stiff. Curtains, on the other hand, are light and unlined. And since curtains are much lighter than drapes, you can pair curtains with different hanging options such as fabric or metal sleeves, rings, or grommets.

So, is your new space feeling a bare? Or maybe it’s time to freshen it up a bit?

Curtains can breathe new life into a space.

Use curtains to add height, texture, color, or pattern to a room. Here are a few ideas to get you started.

Collective thinking is to hang curtains flush to the window frame. That’s okay, but in some cases, it can make your space appear even less spacious than it is. Hanging curtains above the frame so that they lightly brush the ground creates an illusion of height in a tight space. The point here is to draw the eye upwards.

Add a little texture to your space using curtains. Seriously. Lace, sheer, bamboo, pleated, and ruffles can add character to any stale feel. For instance, pleated drapes can add a dramatic effect to a dining room, while sheer curtains in your living room exude vibrancy. The goal is to add visual appeal to create an effect.

Lastly, color can affect the mood of anyone that steps into a specific room, but painting is a big commitment. What happens when you want to change up the functionality of your space? Try the color on curtains to set the intended atmosphere. If you’re going to bring a refreshing or calming element, blue is the way to go. A splash of red can help build appetite in a kitchen. Lavender is excellent for relaxation, while green inspires concentration.

If you live in a colder climate, drapes, of course, can be used to give the same effects.

TV Pilot Review

The Village

The Village is a 2019 drama series brought to us by writer, producer Mike Daniels. As with many popular series on screen right now, it follows a string of dynamic characters and their complex relationships. We start mid-action with short scenes moving from character to character. Beginning with Katie, a high school teenager, sneaking out to cause mischief, we then meet Nick, who’s presumably in physical therapy. Soon we’re with Gabe and his girlfriend in the shower—things go sour quickly, and another scene change to Sarah speaking to Enzo in what seems to be a nursing home. We meet Ron, the super of the building, as he welcomes Nick to the building. Later on, we’re introduced to Ben and Patricia as they try to help Ava, who’s been detained by ICE. And we’re off! We’ve established many of the main characters and their connections to each other. Katie is Sarah’s daughter. Sarah works at the nursing home in which Gabe’s grandfather, Enzo, lives. Do I even need to say that they all live in the same apartment building? And yes, you guessed it, the name of the building is The Village.

What this pilot does well are inclusion and diversity. Each character speaks to its own audience. A military vet, the old man with a young spirit, a single mother, the mentor/parental figures, an immigrant mother and her young son, the black cop (often overlooked and underrepresented). The Village offers one major theme that typically resonates well with anyone: family. A family made of different colors, struggles, and perspectives that come through and show up no matter what. It boosts the ever so needed togetherness that our country needs right now. The flow is organic, and it elegantly reveals the good, the bad, and the ugly of living as “us.” Not to be confused with This is Us(though it does give me some of those vibes). What I appreciate about this show is the willingness amongst the characters to do right and support each other. Even more than that, it’s encouraging to see them recognize their actions as not always the best, choosing to own them and trying to be better in the next moments. Life comes at us hard, but living and growing through those tough times takes a village. See what I did there? 

This type of multidimensional plot tends to be successful since, as we all know, life happens, and each new day brings with it a new set of circumstances, struggles, and experiences—many of which any audience can relate to. The connection between each passing scene and its respective characters are well established. This allows us to see each person as their own individual story or subplot. Excellent writing makes it easy for these actors to own their characters. With tremendous talents such as Lorraine Toussaint, Frankie Faison, Warren Christie, and Dominic Chianese, it’s no wonder this pilot is an excellent marriage of actor and script. It takes a story full of productive dialogue to move an actor past a role and into ownership. Ownership of the way this story finds its way to the audiences’ hearts. There are specific moments throughout that really define this pilot as one of the best in a while. NBC took their time developing this series, and it shows. The writing delivers meaningful jabs straight to the feels with just a few words. Like with our first scene between Sarah and Pop seated on the bed. Or how about when Ron sees Patricia on the roof. You can’t fake good dialogue. It flows rich with robust undertones of action and reaction.

This show will easily capture millions of viewers. Why? Because the characters are reflections of each audience member. It’s a building of underrepresented souls coming together as a unit. It’s inspiring, really. Or at least it is to me, but this is just the pilot we’re talking about, so let me not get too ahead of myself. I’ve seen my fair share of shows lose its potential after the first or second episodes. This pilot could be seen as a bit cliché. Just another drama of a bunch of people, overly supportive, and in some ways—perfectly flawed. Maybe it’s just another best worst-case scenario that will lose its authenticity. I don’t see it happening though, this show is coming for all the feels. It focuses on the differences of others in a way that brings us together. It reminds us that no matter what walk of life, we’re all a part of a more magnificent village. It’s our jobs as tenants of the building to extend a hand, encourage, and protect each other.

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